video1.0<iframe src="https://www.loom.com/embed/7b4cf79f6d9249afa63343fcad6f63ed" frameborder="0" width="1918" height="1438" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>14381918Loomhttps://www.loom.com14381918https://cdn.loom.com/sessions/thumbnails/7b4cf79f6d9249afa63343fcad6f63ed-907c60cc04a90d18.gif1250.157In this Loom, I help early career physicians slow down goal setting, spending, and budgeting by starting with your values. I explain how values guide the tradeoffs behind measurable SMART goals, organized into short term, mid term, and long term targets, and how to align each goal with the right type of account. I walk you through cash flow, what to include on your pay stub, and your monthly outflows, plus the big pressures of student loans, housing costs, and lifestyle creep. I also share how to build a spending plan using your recent bank and credit card history to find your monthly wiggle room. Action is requested to use the provided workbook and budget tool, including the values exercise, the goals exercise, and the Excel explainer video.